Yintoni isango lokuhlawula?

galela thengisa kwi-intanethi, kuya kufuneka unike abathengi izibonelelo ukuze bakwazi ukuhlawula ngeendlela ezibafaneleyo. Kule nto, kuya kufuneka ube nesango lokuhlawula. Le yinto ebalulekileyo kuba linyathelo lokugqibela kwinkqubo yokuthenga okanye yokuthengisa.

La isango lokuhlawula yinkonzo ephunyezwe kwiivenkile ze-elektroniki, ukuququzelela intlawulo yabathengi. Ngokuxhomekeke kwisango lokuhlawula olisebenzisayo kwivenkile yakho, uya kufumana amava angcono okanye amabi kubathengi bakho xa kufikwa kwintlawulo.

Kweli nqaku, ndibonisa yonke into oyifunayo ukuba uyazi malunga nendlela amasango okuhlawula asebenza ngayo. Masihambe !!

🥀 Yintoni isango lokuhlawula?

Amasango entlawulo ngamaqonga avumela intengiselwano yemali phakathi kwabantu aba-2 kwi-Intanethi. Ukusebenzisana nabo, uya kufuna kuphela i-imeyile ukuze ubhalise kunye ne-akhawunti yebhanki. Iakhawunti yebhanki ikuvumela ukuba utsale imali yakho. Ngokuqhelekileyo isebenza kwi-Backoffice.

Inzuzo yokuhlawula amasango kukuba yenza lula yonke inkqubo yentlawulo yomthengi kunye nawe.

Umthengi uya kuba neendlela ezininzi zokuhlawula ukuthenga (imali, ikhadi lekhredithi, iifizi, idiphozithi okanye ukudluliselwa kwebhanki) kwaye isango lokuhlawula liya kukwazisa xa ufumana imali.

Kuya kufuneka uyazi ukuba isango lokuhlawula alisebenzi kumashishini akwi-Intanethi kuphela. Ikwasebenza nakwiivenkile eziphathekayo ezisebenzisa iindlela zokuhlawula ngamakhadi. Uisango lokuhlawula idla ngokunikezelwa kumthengi ngebhanki yabo yentlawulo, kodwa inokubonelelwa ngendawo "yeqela lesithathu" ebizwa ngokuba ngumboneleli wenkonzo yentlawulo.

Isango lokuhlawula lidlula ulwazi lwentengiselwano phakathi kwee-portals zentlawulo ezifana newebhusayithi okanye ifowuni kunye nomthombo wentlawulo (ibhanki). Kodwa, isango lokuhlawula lisebenza njani?

🥀 Indlela isango lokuhlawula lisebenza ngayo

Isango lokuhlawula lenze ukuthengiselana kwezorhwebo kwi-intanethi kube lula ngakumbikulula kwaye iyasebenza. Okokuqala, umthengi ubeka umyalelo ngewebhusayithi, i-app, okanye ngenkqubo yokuthengisa indawo.

Le nkqubo ke ngoko nangoko iguqulela ngokuntsonkothileyo ulwazi, emva koko idlulisele kwiseva yewebhu yomthengisi. Kungoku nje inkqubo iqhutywa nge-a I-SSL (I-Socket Layer eKhuselekileyo) uguqulelo oluntsonkothileyo.

Emva kokuba umrhwebi efumene umyalelo wentlawulo, emva koko bayithumele ngesango labo lokuhlawula. Emva kokuba idatha irekhodwa, ulwazi luya kudluliselwa kwibhanki yomthengisi, eya kukhupha isicelo sentlawulo kwibhanki eqalise idatha yokuqala (ibhanki yomthengi).

Xa idatha iqinisekisiwe kwaye iqhutywe kwimizuzwana, intlawulo iya kudluliselwa kwi-akhawunti yomthengisi. Kwimeko yempazamo kuyo nayiphi na inqanaba lenkqubo, umyalezo ohambelanayo uya kuthunyelwa kubathengi kunye nabarhwebi malunga nengxaki.

Ngaphaya koko, emva kokurekhoda idatha efanelekileyo, kunokubakho izicelo zentlawulo ezikhethekileyo ezisenesimo "ayihlawulwa” kwaye, ngoko, umrhwebi angafaka isicelo “ukukhululwa", emema ibhanki ukuba iyibuyisele.

🥀 Uyisebenzisa njani isango lokuhlawula

Ukuba unqwenela, usebenzisa isango lokuhlawula kwindawo yakho, ilula. Yenza njengoko ndenze ngokulandela la manyathelo alandelayo:

✔ Inyathelo 1

Ngenisa indawo yesango oyikhethileyo kwaye wenze iakhawunti. Yiya kwi-PayPal umzekelo ukwenza oku. Hlanganisa iakhawunti kunye nevenkile yakho ye-intanethi ngokufaka inombolo yomthengi wesango lakho kumlawuli wakho welifu. Ngokuqinisekileyo, konke kuxhomekeke kuhlobo lomphathi womxholo wewebhu oyisebenzisayo.

✔ Inqanaba 2

Xa umthengi ehlawula umyalelo, isango liya kuthumela i-imeyile eqinisekisa ukuba intlawulo iqhutywe ngempumelelo. Akucetyiswa ukuba uthumele iodolo phambi kokuba ube nesi siqinisekiso.

Imali eqokelelweyo iya kuhlala kwiakhawunti yenyani yesango olikhethileyo. Ungayidlulisela le mali kwiakhawunti yakho yebhanki kwi-gateway admin panel, okanye ubacele ukuba bakubhalele itshekhi. Kwezinye iimeko, kuya kufuneka ulinde iintsuku ezimbalwa ngaphambi kokuba ukhuphe imali.

🥀 Iintlobo zamasango entlawulo

Namhlanje, ukuthengiselana phakathi kwamashishini kunye nabathengi kuye kwaba lula kwaye kulula ngakumbi ngokuphunyezwa kwamasango entlawulo.

Iintsuku apho amashishini axhomekeke kuphela kwiintlawulo zebhanki ezithe ngqo idlule. Zine (4) ngoku iintlobo zesango lentlawulo ezikhoyo, ezizezi:

✔ Amasango okuhlawula abanjwe

Ngamasango okuhlawula okubanjwe, abathengi baqondiswa kwakhona ukusuka kwiphepha eliphambili lewebhusayithi yeshishini ukuya kwiphepha lokuhlawula ishishini. Kanye kwiphepha lokuhlawula, umthengi uya kukhuthazwa ukuba acofe kwikhonkco eliya kubaqondisa kwiphepha le-Payment Service Provider (PSP).

Kwiphepha le-PSP, umthengi uya kucelwa ukuba afake iinkcukacha zakhe zentlawulo kwaye, kwezinye iimeko, angene ukuba une-akhawunti kwi-PSP. Ngokukhawuleza ukuba isicelo sokuhlawula siqinisekisiwe, umthengi uya kuthunyelwa kwiphepha lokuhlawula ukugqiba inkqubo.

Ukuza kuthi ga ngoku, iStripe ithathwa njengelinye lamasango entlawulo adumileyo nathembekileyo. Yenza iakhawunti yeStripe ilula kakhulu.

Amasango okuhlawula abanjwe ngawona aziwa kakhulu kwi-intanethi. Kodwa zeziphi iingenelo kunye neengozi zokusebenzisa i-gateway ebanjwe ukhetho?

Amasango abanjwe abonelela ngenqanaba lokhuseleko kubathengi kuba bayahambelana nePCI kwaye khusela izenzo zobuqhophololo. Unokwenza ngokwezifiso eli sango lentlawulo, kwaye kulula ukuyisebenzisa kunye nokuqwalasela, kwaye inkqubo yokubhalisa ilula kwaye ayinangxaki.

✔ Iisango zokuzihlawula ngokwakho

I-self-hosted intlawulo yamasango luhlobo ilawulwa ngokupheleleyo ngomrhwebi. Ngolu hlobo abathengi kufuneka bangenise idatha yentlawulo ngewebhusayithi yenkampani.

Xa idatha iqokelelwa, ihamba ngesigaba sokufihla ngenxa yokuba ezinye zala masango zifuna ukuba idatha ithunyelwe kwifomathi ethile. Isango lokuhlawula elizibambayo elidumileyo lisetyenziswa kwaShopify, eqhutywa yiStripe.

Zonke iintengiselwano zigqityiwe kwindawo enye. Umrhwebi ulawula yonke inkqubo yentlawulo kwaye inokwenziwa ngokwezifiso. Nangona kunjalo, akukho nkqubo yenkxaso yobugcisa. Ukuba kukho ingxaki, kuya kufuneka uyilungise ngokwakho okanye uqeshe igcisa lobuqu ukuba likwenzele oko. Esi sisombululo sokugqibela ngelishwa sibiza kakhulu.

✔ API intlawulo yamasango

I-Application Programming Interface (API) ivumela abathengi ukuba bafake iinkcukacha zabo zokuhlawula ngetyala okanye amakhadi ebhanki kwiphepha lokuphuma. Iintlawulo ngezi zikhetho zenziwa ngokusebenzisa i-API processing.

I-API sisithunywa esithatha izicelo kwaye sixelele inkqubo into ofuna ukuyenza, emva koko ithumele impendulo kuwe. Isango lokuhlawula i-API yenza ukuba inkqubo yentlawulo ibe lula kakhulu kubarhwebi.

Yenza kube lula ukudibanisa isango lokuhlawula kunye newebhusayithi. Faka nje imigca emibini ukuya kwemithathu yekhowudi kwiwebhusayithi yakho. Nabani na onolwazi oluncinane lobugcisa unokudibanisa ngokulula isango lokuhlawula kwiwebhusayithi yabo usebenzisa i-API.

Njengezinto ezilungileyo, inokusetyenziswa kwiiplatifti ezahlukeneyo, kubandakanya ii-smartphones kunye neetafile. Ingenziwa ngokwezifiso ukubonelela abathengi nge-interface engcono yomsebenzisi (UI) kunye namava omsebenzisi (UX).

Nangona kunjalo, abarhwebi banoxanduva ngokupheleleyo lokudala iinketho ezikhuselekileyo zolwazi lwabathengi babo lwezemali olufakwe kwiindawo zabo.

✔ Amasango eNtlawulo eNgqo / ukuDityaniswa kweBhanki yeNgingqi

Olu khetho lwesango lokuhlawula lubandakanya ukudityaniswa kwebhanki yendawo yomthengi ekubeni ekuvuleni ifom yentlawulo, zithunyelwa kwiwebhusayithi yebhanki.

Xa sele bekwisayithi, bayacelwa ukuba bafake iinkcukacha zabo zoqhagamshelwano kunye neenkcukacha. Nini intlawulo iqalisiwe, ziya kuthunyelwa kwiwebhusayithi yomthengisi. Isaziso sokuqinisekisa siya kuthunyelwa xa bebuyela kwiwebhusayithi yomthengisi.

Njengezibonelelo, zifanelekile kumashishini amancinci kunye namashishini afuna inkqubo yokuhlawula enye. Noko ke, abakwenzi oko musa ukuvumela iintlawulo eziphindaphindiweyo. Ngesi sizathu, aziyi kuba zilungele iinkampani ezinkulu okanye abathengisi. Olu khetho lunikeza kuphela iimpawu zentlawulo ezisisiseko kwaye aluvumeli ukubuyisela.

🥀 Indlela yokukhetha isango lokuhlawula elifanelekileyo?

Xa ukhetha isango lokuhlawula, kufuneka uqwalasele izinto ezithile. Nanga amanye amacebiso ekufuneka uwakhumbule:

✔️ Jonga ukufaneleka kweemveliso zakho

Ayizizo zonke iigeyiti zentlawulo ezisebenza kuwo onke amashishini, kwaye ngenxa yoko, kufuneka uqale uphande ukuba ingaba isango elifanelekileyo lixhasa iimveliso kunye neenkonzo ozinikezelayo.

Isango ngalinye lentlawulo linoluhlu lweenkonzo ezivumelekileyo nezingavumelekanga ezenzayo nezingazixhasiyo. Ukongeza, isango lentlawulo linokuthintela iinkonzo ezithile ngokuxhomekeke kwingingqi okuyo.

Ngokomzekelo, I-PayPal ayinikezeli ngeenkonzo zabo kwamanye amazwe. Ayivumeli naluphi na uhlobo lwentengiselwano yempahla kunye neenkonzo kulo mmandla. Ngokuqinisekileyo iya kuba yinkcitho yexesha ukuyongeza kwiwebhusayithi yakho kuphela ukufumanisa kamva ukuba ayinakusetyenziswa.

✔️ Inkxaso yeemali ezininzi

Lo mba kufuneka ube yeyona nto ibalulekileyo xa ukhangela isango lokubhatala ukongeza ukusetyenzwa kwentlawulo yeenkonzo zakho, ngakumbi ukuba unikezela ngempahla kunye neenkonzo kwimimandla eyahlukeneyo.

Kwiimeko ezininzi, abathengi banqanda iinkampani ezingenazo iimali ezininzi ngenxa yeereyithi zokutshintshiselana inokunyuswa. Ukuba nenketho yemali eninzi kuya kuphucula amava omthengi, ukwandisa ishishini lakho kwaye wenze intlawulo ibe lula kubo bobabini abathengi kunye nabarhwebi.

Uninzi lwexesha, iimali ezintathu okanye ezine ziya kuba zilungile, ngakumbi ukuba zisetyenziswa ngokubanzi (USD, EURO, njl.).

✔ Ukusetyenzwa kweentlawulo eziyimfuneko

Xa ukhetha isango, kufuneka ubeke ingqalelo kwiindlela zokulungisa iintlawulo. Ngokukodwa xa kufikwa kumakhadi okuthenga ngetyala okanye ebhankini kunye neebhanki ze-Intanethi. Abathengi bafuna ukuqinisekiswa ukuba isigaba sokucubungula siya kuba sobala kwaye abayi kuba nayo nayiphi na imiba yokusombulula ekugqibeleni.

Ukongeza, nokuba unikezela ngenketho yokuhlawula ngamakhadi kunye neeakhawunti zebhanki, ngaba iinkqubo zabo zikhona ukujongana nokulibaziseka okunokwenzeka?

✔ PCI iyahambelana

Yiba PCI ehambelanayo kubalulekile xa ufuna ukukhetha isango lokuhlawula kwi-intanethi. Ufuna ukuseka inqanaba lokuthembela kunye nabathengi bakho ukuba bazi ukuba idatha yabo ikhuselekile kunye nawe kwaye akukho ntengiselwano iya kugqitywa ngaphandle kokuba iqaliswe.

Amakhadi okuthenga ngetyala zizixhobo ezibalulekileyo kubomi bomntu, ngoko ke ukuba isango lentlawulo olijongileyo alihambelani nogunyaziwe olawulayo, unokufuna ukuphuma. Izikhokelo ziindawo zokhuseleko apho amasango kufuneka avume ukuhlonipha ukhuseleko lwekhadi.

✔️ Amaxabiso kunye neentlawulo

Kufuneka ujonge amaxabiso esango kunye neentlawulo. Amasango amaninzi ahlawulisa inkqubo yobhaliso apho kufuneka wenze iintlawulo eziphindaphindiweyo ukuze babambe kwaye baqondise kwakhona idatha yakho yentlawulo.

Ngaloo ndlela, ufuna ukuphonononga amaxabiso kunye neentlawulo zabo, njengoko oku kuya kunceda ukugqiba utshintsho kubathengi ngala masango (ifakwe ngokuyinxenye kwintlawulo yokugqibela yabathengi).

✔ yokhuseleko

Ngaba isango lentlawulo olisebenzisayo liyanikezela umgangatho ophezulu wokhuseleko kubarhwebi kunye nabathengi? Ukhuseleko luphawu olubalulekileyo lokuvavanya ngokupheleleyo. Kuba iinkcukacha zobuqu zabathengi ziya kongezwa kwindawo yakho kwaye zithunyelwe ngala masango.

Ngaba baya kukhuselwa kubaduni abanokubakho okanye abo bafuna ukophula iqonga lokuhlawula lewebhusayithi yakho? Enye indlela yokufumanisa kukuqhuba iimvavanyo ezifanelekileyo kunye nebenchmarks kunye nesango ngaphambi kokuyisungula ngokupheleleyo kwiwebhusayithi yakho.

✔️ Inkonzo yabathengi

Ukubona ulwazi lomrhwebi kunye nomthengi luya kuthunyelwa ngala masango. Ufuna ukusebenzisa iinkonzo zalowo unenkqubo yokuxhasa abathengi esebenzayo nesebenzayo.

Kwimeko yeengxaki kufuneka ukwazi ukuqhagamshelana neqela ukusombulula iingxaki. Kwakhona, khetha isango elinenkonzo yabathengi enokubonelela ngeempendulo ezikhawulezayo ukugcina iinkxalabo zakho zokuthembana zihambelana nabathengi bakho.

🥀 Ababoneleli besango lentlawulo edumileyo

Baninzi ababoneleli besango lokubhatala abakhoyo ukuququzelela iintengiselwano zoshishino.

✔️ Imivumbo

I-Stripe ibonelela ngezixhobo eziguquguqukayo ezinceda ukuphucula ukusetyenzwa kwentlawulo kumashishini e-intanethi. Ibonelela ngezicwangciso zentlawulo eziphindaphindiweyo okanye zobhaliso, iiplatifomu ze-crowdfunding, kunye nezinye iisayithi ze-intanethi ezifunwa kakhulu.

Ukwenza iakhawunti yeStripe lula kwaye ngokukhawuleza. I-Stripe ayihlawulisi ukuseta okanye imirhumo yenyanga kwaye ayinayo enye imirhumo efihliweyo. Nangona kunjalo, ukuba usebenzisa eli sango lokuhlawula, Imali ye-2,9% ngaphezulu kwe-0,30 yeedola iya kuhlawuliswa ngentlawulo yekhadi ngalinye egqitywe ngempumelelo.

✔️ PayPal

I-Paypal yenye yezona zinto zidumileyo zababoneleli besango lokubhatala. Ifikeleleka ngakumbi kunoninzi. Pha ukwenza i-akhawunti ye-PayPal Est lula kwaye ngokukhawuleza

Nge-PayPal, abasebenzisi be-intanethi banokongeza amakhadi abo okuthenga ngetyala okanye ebhanki kunye neenkcukacha zebhanki ukwenza iintlawulo ze-intanethi ngaphandle kokuba abarhwebi badibane ngqo nemithombo yabo yenkxaso-mali.

Amaxabiso kunye neMirhumo yokuSeta -I-Paypal ayihlawulisi mali kwiintlawulo ezivela kubathengi okanye abo benza iakhawunti kunye nabo. Nangona kunjalo, abarhwebi bahlawuliswa i-3,4% ngaphezulu kwe-0,30 yeedola zeentengiselwano zekhadi. Akukho mali zenyanga, iimali zesango, okanye iimali zokuseta.

✔️ Authorize.net

Ukususela kwi1996, Ukugunyaza inikeza izisombululo zesango lentlawulo kumakhulu amawaka wabarhwebi be-intanethi kwihlabathi jikelele. I-Authorize.net yamkela intlawulo ngamakhadi okuthenga ngetyala kunye neetshekhi ze-elektroniki (itshekhi ye-elektroniki).

Kulula kwaye kulula ukuyisebenzisa. Lukhetho olukhulu kwiivenkile ezinkulu ze-e-commerce kunye nababoneleli benkonzo.

Amaxabiso kunye neMirhumo yokuSeta - Ngokungafaniyo namanye amasango entlawulo, i-Authorize.net ihlawulisa umrhumo wokumisela i-49 yeedola kunye nentlawulo ephindaphindiweyo ye-29 yeentlawulo zenyanga zesango.

✔ Payoneer

I-Payoneer yinkampani yeenkonzo zezimali ezikomkhulu kwisiXeko saseNew York. Inkampani yasekwa kwi-2005 kwaye igxile ekuququzeleleni ukudluliselwa kwentlawulo ye-intanethi, zombini e-United States nakwamanye amazwe.

I-Payoneer inabasebenzisi abangaphezu kwezigidi ezine kumazwe angaphezu kwama-200 kwihlabathi liphela kwaye inokuqhuba intengiselwano enqumla imida kwiimali ezingaphezu kwe-150.

Iintlawulo ze Iakhawunti yePayoneer une abanye bakhululekile. Oku kuyinzuzo yokwenyani ukuba abathengi bakho basebenzisa iPayoneer. Iintlawulo ezenziwe ngebhanki yasekhaya zenza umrhumo oyi-0% ukuba zenziwe ngeedola zaseMelika.

Ukudluliselwa ngee-euro okanye iiponti ze-sterling zisimahla. Iintlawulo ezenziwe yi-eCheck nazo ziyangena 0% intlawulo ngeedola zaseMelika. Iintlawulo ezenziwe ngekhadi letyala zingena umrhumo osisigxina wokusetyenzwa kwe-3%.

🥀I-FAQs

✔ Yintoni isango lokuhlawula?

Isango lokuhlawula yinkonzo ekhuselekileyo eququzelela ukuthengiselana kwemali phakathi kwabathengisi kunye nabathengi kwi-intanethi. Iqhuba iintlawulo ngekhadi lebhanki, ukudluliselwa, i-wallet yeselula, njl. ngokuthembeka okupheleleyo.

✔ Isango lentlawulo lisetyenziselwa ntoni?

Amasango entlawulo akwenza kube lula kwaye kukhawuleze ukwamkela iintlawulo ze-intanethi ngaphandle kokuphatha ngokuthe ngqo idatha ebuthathaka yebhanki. Bakwabonelela ngeenkonzo eziluncedo ezongezelelweyo ezifana noguqulo lwemali.

✔ Ziziphi iingenelo zesango lentlawulo?

Izibonelelo zezi: ukuthengiselana okukhuselekileyo, ukuzenzekelayo kweenkqubo zokuhlawula, ukwamkelwa kwentlawulo ye-multimodal, ingxelo ecacileyo, ukuguqulwa kwemali, ukuguqulwa kwezinga lokuguqulwa, njl.

✔ Indlela yokukhetha isango lakho lokuhlawula?

Cinga ngokuthembeka, iziqinisekiso zokhuseleko, iimpawu ezakhelwe ngaphakathi, iindlela zokuhlawula ezixhaswayo, ukucaca kwentlawulo, inkxaso yabathengi, kunye nokudibanisa newebhusayithi yakho.

✔ Ngaba amasango entlawulo anzima ukuseta?

hayi, izisombululo ezininzi zikhona i-turnkey kwaye zilula ukuqwalasela ngokusebenzisa ujongano lolawulo lwe-intanethi. Ezinye ziyi-plug-and-play okanye zibonelela nge-APIs ekulula ukuzidibanisa ngokobugcisa.

✔ Ngaba indawo yam ye-e-commerce idinga isango lokuhlawula?

yes, isango lokuhlawula liyimfuneko namhlanje kuyo nayiphi na indawo ye-e-commerce okanye iqonga lenkonzo ye-intanethi enqwenela ukwamkela ukuthengiselana ngendlela yobuchwephesha.

🥀 isishwankathelo

Isishwankathelo, isango lokuhlawula yinkonzo ekhuselekileyo ye-intanethi eququzelela ukuthengiselana kwemali phakathi komthengisi kunye nomthengi kwi-Intanethi.

Ngokuchanekileyo, isango lokuhlawula lidlala indima womthetheli othembekileyo ngokuqokelela iinkcukacha zebhanki ezinovakalelo egameni lomrhwebi. Ikwabonelela ngeempawu ezahlukeneyo ezifanelekileyo ezifana nokuguqulwa kwemali, inkxaso yeendlela ezininzi zokuhlawula kunye neengxelo ezineenkcukacha.

Ngokukhetha isisombululo esithembekileyo esinezatifikethi ezifanelekileyo, unokwamkela iintlawulo ze-intanethi ngekhadi letyala kodwa nangokutshintshela, isipaji esiphathwayo okanye enye ngoxolo olupheleleyo lwengqondo. Umsebenzi wakho yenziwe lula kwaye ikhuselekile.

Ke ukuba ujonge ukuqala ishishini elikwi-Intanethi okanye utshintshe ivenkile yakho yomzimba ukuya kwidijithali, cinga ngokudibanisa isango lokuhlawula. Namhlanje, yinxalenye ebalulekileyo yamava entlawulo afanelekileyo.